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Survey of Credit Underwriting Practices

June 2011
Part III: Data Tables

A. Commercial Lending Portfolios

Agricultural Lending

Fifteen of the 54 surveyed banks met the threshold¹ for reporting on agricultural lending.

**Table 13: Changes in Underwriting Standards in Agricultural Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	0	70	30
2003	0	67	33
2004	0	93	7
2005	0	93	7
2006	5	95	0
2007	10	80	10
2008	0	95	5
2009	0	75	25
2010	0	54	46
2011	0	80	20

**Table 14: Changes in the Level of Credit Risk in Agricultural Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	7	63	30	0
2003	0	11	48	41	0
2004	0	10	59	31	0
2005	4	17	69	10	0
2006	0	23	63	14	0
2007	0	0	55	45	0
2008	0	26	47	26	0
2009	0	6	38	56	0
2010	0	0	46	31	23
2011	0	27	46	27	0
Future 12 months	0	7	46	47	0

Asset-Based Loans

Thirteen surveyed banks met the threshold for reporting on asset-based lending.

**Table 15: Changes in Underwriting Standards in Asset-Based Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	3	66	31
2003	0	58	42
2004	16	71	13
2005	30	67	3
2006	30	57	13
2007	25	68	7
2008	9	70	22
2009	6	23	71
2010	8	31	61
2011	23	54	23

**Table 16: Changes in the Level of Credit Risk in Asset-Based Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	0	50	50	0
2003	3	26	42	29	0
2004	3	29	55	13	0
2005	0	24	52	24	0
2006	0	17	61	22	0
2007	0	14	43	43	0
2008	0	0	30	70	0
2009	0	0	12	70	18
2010	0	0	8	77	15
2011	0	69	23	8	0
Future 12 Months	0	23	62	15	0

Commercial Leasing

Ten of the surveyed banks met the threshold for reporting on commercial leasing.

**Table 17: Changes in Underwriting Standards in Commercial Leasing Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2006	12	76	12
2007	26	69	5
2008	7	50	43
2009	0	40	60
2010	0	27	73
2011	10	60	30

**Table 18: Changes in the Level of Credit Risk in Commercial Leasing Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2006	6	35	53	6	0
2007	0	16	63	21	0
2008	0	0	71	29	0
2009	0	0	13	80	7
2010	0	0	0	55	45
2011	0	80	10	10	0
Future 12 Months	0	50	40	10	0

Commercial Real Estate Lending—Commercial Construction

Thirty-three of the surveyed banks met the threshold for reporting on commercial construction lending.

**Table 19: Changes in Underwriting Standards in Commercial Construction Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2003	2	61	37
2004	10	75	15
2005	29	63	8
2006	32	56	12
2007	28	59	13
2008	8	43	49
2009	0	20	80
2010	3	25	72
2011	3	61	36

**Table 20: Changes in the Level of Credit Risk in Commercial Construction Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2003	0	7	46	42	5
2004	0	7	59	34	0
2005	2	5	65	28	0
2006	0	5	65	30	0
2007	0	2	48	49	1
2008	0	0	22	69	8
2009	0	0	5	54	41
2010	0	5	3	50	42
2011	6	40	18	33	3
Future 12 Months	3	43	24	30	0

Commercial Real Estate Lending—Residential Construction

Nineteen of the surveyed banks met the threshold for reporting on residential construction lending.

**Table 21: Changes in Underwriting Standards in Residential Construction Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2003	0	76	24
2004	5	86	9
2005	21	72	7
2006	25	64	11
2007	17	50	33
2008	2	36	62
2009	0	8	92
2010	0	36	64
2011	0	63	37

**Table 22: Changes in the Level of Credit Risk in Residential Construction Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2003	0	2	62	34	2
2004	0	4	76	18	2
2005	2	6	65	27	0
2006	0	2	52	46	0
2007	0	4	27	63	6
2008	0	0	7	48	45
2009	0	0	0	34	66
2010	5	9	4	41	41
2011	5	47	11	32	5
Future 12 Months	0	42	37	21	0

Commercial Real Estate Lending—Other

Fifty-two of the surveyed banks met the threshold for reporting on other commercial real estate lending.

**Table 23: Changes in Underwriting Standards in Other Commercial Real Estate Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2003	5	71	24
2004	8	83	9
2005	24	65	11
2006	32	60	8
2007	20	73	7
2008	2	73	25
2009	2	22	76
2010	2	38	60
2011	9	58	33

**Table 24: Changes in the Level of Credit Risk in Other Commercial Real Estate Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2003	0	5	48	43	4
2004	0	12	66	20	2
2005	2	9	65	24	0
2006	1	10	55	34	0
2007	0	2	59	38	1
2008	0	2	39	58	2
2009	0	2	5	67	26
2010	0	2	9	55	34
2011	2	33	33	23	9
Future 12 Months	0	29	38	33	0

International Lending

Ten of the surveyed banks engaged in international lending.

**Table 25: Changes in Underwriting Standards in International Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	11	61	28
2003	6	55	39
2004	11	61	28
2005	27	73	0
2006	30	70	0
2007	30	70	0
2008	10	60	30
2009	0	13	87
2010	30	40	30
2011	56	33	11

**Table 26: Changes in the Level of Credit Risk in International Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	22	39	28	11
2003	0	6	55	33	6
2004	6	33	55	6	0
2005	0	20	73	7	0
2006	0	0	80	20	0
2007	0	0	70	30	0
2008	0	0	40	40	20
2009	0	0	0	63	37
2010	0	0	30	50	20
2011	0	33	45	22	0
Future 12 Months	0	0	11	89	0

Middle Market Lending

Forty-two of the surveyed banks met the threshold for reporting on middle market lending.

**Table 27: Changes in Underwriting Standards in Middle Market Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	0	60	40
2003	6	63	31
2004	14	81	5
2005	28	67	5
2006	31	66	3
2007	33	60	7
2008	6	69	25
2009	0	33	67
2010	0	50	50
2011	19	64	17

**Table 28: Changes in the Level of Credit Risk in Middle Market Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Declined Somewhat
2002	2	8	22	66	2
2003	0	13	39	44	4
2004	0	28	52	18	2
2005	4	26	54	16	0
2006	0	24	54	20	2
2007	0	5	51	44	0
2008	0	0	50	48	2
2009	0	2	6	88	4
2010	0	0	5	73	22
2011	0	31	29	38	2
Future 12 Months	2	24	41	33	0

Small Business Lending

Thirty-three of the surveyed banks met the threshold for reporting loans in the small business market.

**Table 29: Changes in Underwriting Standards in Small Business Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	2	66	32
2003	4	65	31
2004	11	74	15
2005	13	81	6
2006	19	76	5
2007	11	76	13
2008	11	72	17
2009	0	36	64
2010	0	34	66
2011	12	55	33

**Table 30: Changes in the Level of Credit Risk in Small Business Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	2	56	40	2
2003	0	4	56	38	2
2004	0	15	72	13	0
2005	0	11	70	19	0
2006	0	5	71	22	2
2007	2	4	66	26	2
2008	0	3	36	58	3
2009	0	2	14	72	12
2010	0	9	6	66	19
2011	0	21	33	46	0
Future 12 Months	0	9	55	36	0

Leveraged Loans

Sixteen of the surveyed banks met the threshold for reporting on leveraged loans.

**Table 31: Changes in Underwriting Standards in Leveraged Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	0	44	56
2003	0	48	52
2004	15	85	0
2005	32	68	0
2006	61	31	8
2007	67	33	0
2008	20	20	60
2009	0	31	69
2010	0	25	75
2011	37	44	19

**Table 32: Changes in the Level of Credit Risk in Leveraged Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	7	26	52	15
2003	10	33	28	29	0
2004	15	40	40	5	0
2005	5	27	58	5	5
2006	0	8	15	69	8
2007	0	13	34	53	0
2008	0	0	27	53	20
2009	0	0	6	63	31
2010	0	6	6	63	25
2011	0	38	25	31	6
Future 12 Months	0	6	25	69	0

Large Corporate Loans

Twenty-nine of the surveyed banks met the threshold for reporting the large corporate loans.

**Table 33: Changes in Underwriting Standards in Large Corporate Loan Portfolios (Percentage of Responses)**
	Eased	Unchanged	Tightened
2002	0	45	55
2003	3	49	48
2004	17	66	17
2005	32	68	0
2006	49	51	0
2007	40	60	0
2008	6	62	32
2009	0	40	60
2010	3	38	59
2011	38	55	7

**Table 34: Changes in the Level of Credit Risk in Large Corporate Loan Portfolios (Percentage of Responses)**
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	8	29	53	10
2003	5	27	33	30	5
2004	17	36	36	11	0
2005	5	27	49	19	0
2006	0	19	46	32	3
2007	0	8	57	35	0
2008	0	0	47	47	6
2009	0	0	12	77	11
2010	0	3	0	76	21
2011	0	41	31	28	0
Future 12 Months	0	24	38	38	0

Hedge Funds (Direct Credit Exposure)

Three of the surveyed banks met the threshold for reporting on direct lending to hedge funds.

Table 35: Changes in Underwriting Standards in Hedge Funds (Direct Credit Exposure)
(Percentage of Responses)
	Eased	Unchanged	Tightened
2007	17	66	17
2008	0	100	0
2009	0	17	83
2010	0	40	60
2011	0	100	0

Table 36: Changes in the Level of Credit Risk in Hedge Funds (Direct Credit Exposure)
(Percentage of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2007	0	0	83	17	0
2008	0	0	83	17	0
2009	33	0	0	34	33
2010	20	40	40	0	0
2011	0	0	100	0	0
Future 12 Months	0	0	67	33	0

Hedge Funds (Counterparty Credit Exposure)

Three of the surveyed banks met the threshold for reporting on counterparty credit exposures to hedge funds.

Table 37: Changes in Underwriting Standards in Hedge Funds (Counterparty Credit Exposure)
(Percentage of Responses)
	Eased	Unchanged	Tightened
2007	29	71	0
2008	0	29	71
2009	0	14	86
2010	33	50	17
2011	0	100	0

Table 38: Changes in the Level of Credit Risk in Hedge Funds (Counterparty Credit Exposure)
(Percentage of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2007	0	14	72	14	0
2008	0	14	29	43	14
2009	0	0	14	57	29
2010	17	50	33	0	0
2011	0	33	67	0	0
Future 12 Months	0	0	33	67	0

¹ Examiners report on loan products greater than 2 percent of the company’s committed loan portfolio or more than $10 billion in committed exposure.

Alphabetical Listing

Publications by Topic

Publications by Type

Survey of Credit Underwriting Practices

June 2011
Part III: Data Tables

Part I: Overall Results

Part II: Data Graphs

Part III: Data Tables

Featured Publications

Top Tasks

Alphabetical Listing

Publications by Topic

Publications by Type

Survey of Credit Underwriting Practices

June 2011Part III: Data Tables

Part I: Overall Results

Part II: Data Graphs

Part III: Data Tables

Featured Publications

Top Tasks

June 2011
Part III: Data Tables